DoorDash, Uber Eats, Amazon, UPS, FedEx, and countless local couriers have flooded South Florida's streets with delivery drivers under constant pressure to move fast. That pressure — tight windows, app distractions, unfamiliar routes — leads to crashes.
When a delivery driver hits you, who pays can be surprisingly complicated. It depends on whether the driver was an employee or a gig worker, whether they were actively on a delivery, and whose insurance applies. These are exactly the details that determine your recovery.
Local knowledge that matters
Delivery vehicles are everywhere in Jupiter and Palm Beach Gardens — residential streets, apartment complexes, and busy commercial corridors. I know how these crashes happen locally and how to trace the web of employers, contractors, and insurers behind a delivery driver.
What to do after delivery accidents
- 1
Call 911 and report the crash
Get a police report documenting the delivery vehicle and driver.
- 2
Identify the company
Note the delivery company — DoorDash, Amazon, UPS, a local courier — and any markings, uniforms, or vehicle branding.
- 3
Photograph the scene
Vehicles, damage, delivery signage or bags, and the surroundings.
- 4
Get medical care
Prompt treatment protects your health and links your injuries to the crash.
- 5
Call a lawyer to untangle the insurance
Employee vs. gig worker, on-duty vs. off — these details change who pays. I'll investigate them.
Common injuries I see
- Whiplash and spinal injuries
- Herniated discs
- Concussions and head trauma
- Broken bones
- Pedestrian and cyclist injuries
- Soft-tissue injuries
How Florida law applies
- Employee or independent contractor?
- If the driver was an employee (as with many UPS/FedEx drivers) acting within their job, the employer may be liable through vicarious liability. Gig workers (DoorDash, many Amazon Flex drivers) are often classified as contractors, which changes the analysis and the available coverage.
- Multiple possible insurers
- The driver's personal policy, a commercial policy, and the company's coverage may all be in play depending on the facts. Identifying every source of coverage is essential.
- Comparative negligence and the two-year deadline
- Florida's fault rules and two-year filing deadline apply. Investigating the driver's employment status early can make or break the claim.
How I help with your case
- Determine the driver's employment status and duty status at the time.
- Identify every company and insurer potentially responsible.
- Pursue the employer or platform where the law allows.
- Handle the multi-party insurance fight so you don't have to.
Delivery Accidents — frequently asked questions
It's complicated. Gig platforms classify drivers as independent contractors, which can limit direct claims, but their insurance may still provide coverage when the driver was actively delivering. The key is identifying which policies apply — that's what I investigate.
Not necessarily. There may be a commercial policy, an employer's coverage, or your own uninsured/underinsured motorist coverage. I look for every available source of recovery.
That's part of the investigation. UPS and FedEx drivers are often employees; DoorDash and many Amazon Flex drivers are typically contractors. The distinction affects who's responsible, and I'll dig into the facts to establish it.